Search For Lender - 2nd Home Loan

[Adam Gonzalez]

Hey BiggerPockets Community!

I hope everyone is having a great week! Currently, I am on the market for a 2nd home loan. My goal would be to utilize the property as required by the loan and rent the property out the other portion of time as a STR. I keep seeing in videos, books, forums, etc. from BiggerPockets and other outlets that they recommend and have taken out a 2nd home loan with the condition that they stay at the residence for at least 14 days out of the year or 10% of the time you rent the property. They were fully transparent with the lender who approved.

However, I am having no such luck in finding these lenders. One lender indicated that is mortgage fraud and you cannot rent the property at all. Another indicated you would have to be at the property for at least 6 months but no one will check on you (I do no work remote so this is impossible and not something I want to play around with). I am just looking for a lender who can offer the loan with more leniency on the occupancy requirement. Any suggestions? I want to make sure I am following the rules. 

Thank you all in advance for your advice and guidance!